Umb Financial Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Umb Financial's revenue surged 18.1% year-over-year to $2.2B, reflecting rapid business expansion. This strong growth earns a score of 80/100.
Umb Financial carries a low D/E ratio of 0.11, meaning only $0.11 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Umb Financial has a free cash flow margin of 9.3%, earning a moderate score of 46/100. The company generates positive cash flow after capital investments, but with room for improvement.
Umb Financial's ROE of 12.7% shows moderate profitability relative to equity, earning a score of 51/100. This is up from 11.3% the prior year.
Umb Financial passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Umb Financial generates $0.51 in operating cash flow ($225.3M OCF vs $441.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
This page shows Umb Financial (UMBF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Umb Financial generated $2.2B in revenue in fiscal year 2024. This represents an increase of 18.1% from the prior year.
Umb Financial generated $201.1M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 54.9% from the prior year.
Umb Financial reported $441.2M in net income in fiscal year 2024. This represents an increase of 26.1% from the prior year.
Umb Financial earned $8.99 per diluted share (EPS) in fiscal year 2024. This represents an increase of 25.2% from the prior year.
Umb Financial held $8.4B in cash against $385.3M in long-term debt as of fiscal year 2024.
Umb Financial paid $1.57 per share in dividends in fiscal year 2024. This represents an increase of 2.6% from the prior year.
Umb Financial had 49M shares outstanding in fiscal year 2024. This represents an increase of 0.5% from the prior year.
Umb Financial's net profit margin was 20.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 1.3 percentage points from the prior year.
Umb Financial's ROE was 12.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1.4 percentage points from the prior year.
Umb Financial spent $7.7M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 7.5% from the prior year.
Umb Financial invested $24.2M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 10.0% from the prior year.
UMBF Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $878.9M+3.3% | $850.5M+15.3% | $738.0M+33.0% | $555.0M+3.1% | $538.3M+3.5% | $520.1M+4.7% | $496.6M+5.2% | $472.0M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $403.9M+5.3% | $383.5M+12.7% | $340.3M+19.0% | $286.0M-2.4% | $293.2M+4.5% | $280.6M+5.5% | $266.1M+6.6% | $249.7M |
| Income Tax | $48.2M-16.3% | $57.6M+392.0% | $11.7M-52.8% | $24.8M-2.9% | $25.6M+8.3% | $23.6M+139.1% | $9.9M-56.3% | $22.6M |
| Net Income | $188.3M-13.4% | $217.4M+167.3% | $81.3M-32.2% | $120.0M+18.4% | $101.3M-8.1% | $110.3M+55.5% | $70.9M-26.5% | $96.6M |
| EPS (Diluted) | $2.36-16.3% | $2.82+133.1% | $1.21-50.4% | $2.44+17.9% | $2.07-8.0% | $2.25+55.2% | $1.45-26.8% | $1.98 |
UMBF Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $71.9B+0.2% | $71.8B+3.5% | $69.3B+37.6% | $50.4B+13.4% | $44.5B-1.9% | $45.3B+3.0% | $44.0B+6.1% | $41.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $8.8B-19.6% | $11.0B+3.6% | $10.6B+25.6% | $8.4B+68.4% | $5.0B-27.8% | $6.9B+25.6% | $5.5B+40.8% | $3.9B |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $1.8B+1.2% | $1.8B+0.8% | $1.8B+767.2% | $207.4M0.0% | $207.4M0.0% | $207.4M0.0% | $207.4M0.0% | $207.4M |
| Total Liabilities | $64.4B-0.1% | $64.5B+3.0% | $62.6B+33.4% | $46.9B+13.8% | $41.2B-2.2% | $42.2B+3.1% | $40.9B+5.8% | $38.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $471.3M-28.3% | $657.3M+0.4% | $654.4M+69.8% | $385.3M+0.3% | $384.2M+0.1% | $383.7M+0.1% | $383.2M+0.1% | $382.8M |
| Total Equity | $7.4B+2.2% | $7.3B+8.0% | $6.7B+94.7% | $3.5B+7.4% | $3.2B+2.4% | $3.2B+1.7% | $3.1B+10.5% | $2.8B |
| Retained Earnings | $3.6B+4.4% | $3.4B+5.7% | $3.2B+1.6% | $3.2B+6.4% | $3.0B+2.8% | $2.9B+3.3% | $2.8B+1.9% | $2.8B |
UMBF Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $272.2M-4.6% | $285.4M-21.4% | $363.0M+642.9% | -$66.9M-159.5% | $112.4M+100.1% | $56.1M-33.9% | $85.0M-63.4% | $232.2M |
| Capital Expenditures | $14.4M-1.4% | $14.6M+65.5% | $8.8M-38.6% | $14.4M+355.3% | $3.2M+32.9% | $2.4M-37.1% | $3.8M-37.5% | $6.0M |
| Free Cash Flow | $257.8M-4.8% | $270.8M-23.6% | $354.2M+535.9% | -$81.2M-174.4% | $109.2M+103.1% | $53.8M-33.8% | $81.2M-64.1% | $226.2M |
| Investing Cash Flow | -$2.1B-7.3% | -$2.0B-401.2% | $663.2M+138.6% | -$1.7B-54.2% | -$1.1B-803.4% | $158.4M+123.0% | -$689.1M-376.7% | -$144.5M |
| Financing Cash Flow | -$283.7M-113.5% | $2.1B+84.8% | $1.1B-61.6% | $3.0B+419.6% | -$925.2M-177.1% | $1.2B-45.6% | $2.2B+2106.4% | $99.9M |
| Dividends Paid | $32.5M+0.4% | $32.4M+7.5% | $30.1M+54.2% | $19.5M-3.8% | $20.3M+6.8% | $19.0M+0.4% | $18.9M+1.9% | $18.6M |
| Share Buybacks | $1.8M+529.3% | $290K-98.1% | $15.4M | $0 | $0-100.0% | $7.5M+2681.2% | $271K+39.7% | $194K |
UMBF Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 21.4%-4.1pp | 25.6%+14.5pp | 11.0%-10.6pp | 21.6%+2.8pp | 18.8%-2.4pp | 21.2%+6.9pp | 14.3%-6.2pp | 20.5% |
| Return on Equity | 2.5%-0.5pp | 3.0%+1.8pp | 1.2%-2.3pp | 3.5%+0.3pp | 3.1%-0.4pp | 3.5%+1.2pp | 2.3%-1.1pp | 3.4% |
| Return on Assets | 0.3%-0.0pp | 0.3%+0.2pp | 0.1%-0.1pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.2%-0.1pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.06-0.0 | 0.090.0 | 0.10-0.0 | 0.110.0 | 0.120.0 | 0.120.0 | 0.12-0.0 | 0.14 |
| FCF Margin | 29.3%-2.5pp | 31.8%-16.2pp | 48.0%+62.6pp | -14.6%-34.9pp | 20.3%+9.9pp | 10.3%-6.0pp | 16.4%-31.6pp | 47.9% |
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Frequently Asked Questions
What is Umb Financial's annual revenue?
Umb Financial (UMBF) reported $2.2B in total revenue for fiscal year 2024. This represents a 18.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Umb Financial's revenue growing?
Umb Financial (UMBF) revenue grew by 18.1% year-over-year, from $1.8B to $2.2B in fiscal year 2024.
Is Umb Financial profitable?
Yes, Umb Financial (UMBF) reported a net income of $441.2M in fiscal year 2024, with a net profit margin of 20.3%.
What is Umb Financial's earnings per share (EPS)?
Umb Financial (UMBF) reported diluted earnings per share of $8.99 for fiscal year 2024. This represents a 25.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Umb Financial have?
As of fiscal year 2024, Umb Financial (UMBF) had $8.4B in cash and equivalents against $385.3M in long-term debt.
What is Umb Financial's net profit margin?
Umb Financial (UMBF) had a net profit margin of 20.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Umb Financial pay dividends?
Yes, Umb Financial (UMBF) paid $1.57 per share in dividends during fiscal year 2024.
What is Umb Financial's return on equity (ROE)?
Umb Financial (UMBF) has a return on equity of 12.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Umb Financial's free cash flow?
Umb Financial (UMBF) generated $201.1M in free cash flow during fiscal year 2024. This represents a -54.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Umb Financial's operating cash flow?
Umb Financial (UMBF) generated $225.3M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Umb Financial's total assets?
Umb Financial (UMBF) had $50.4B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Umb Financial's capital expenditures?
Umb Financial (UMBF) invested $24.2M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Umb Financial buy back shares?
Yes, Umb Financial (UMBF) spent $7.7M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Umb Financial have outstanding?
Umb Financial (UMBF) had 49M shares outstanding as of fiscal year 2024.
What is Umb Financial's debt-to-equity ratio?
Umb Financial (UMBF) had a debt-to-equity ratio of 0.11 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Umb Financial's return on assets (ROA)?
Umb Financial (UMBF) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Umb Financial's Piotroski F-Score?
Umb Financial (UMBF) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Umb Financial's earnings high quality?
Umb Financial (UMBF) has an earnings quality ratio of 0.51x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Umb Financial?
Umb Financial (UMBF) scores 69 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.